If you’re asking about getting an Apple Credit Card without using Apple 2 factor authentication with your AppleID then the answer is you cannot do so. Getting, having and using anApple Card requires your AppleID be enabled with 2 factor authentication.
How to apply for Apple Card - Apple Support
“See if you're eligible
- To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
- You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
- Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
- You must sign in on your device with your Apple ID and use two-factor authentication.
- If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
- You might need to verify your identity with a Driver License or State-issued photo ID.5“